Financial information for Defence families

The ADF Financial Services Consumer Council provides independent, professional financial education (not advice) to ADF members and their families. Visit the the council's website to find information and videos about managing your finances, planning around deployment and creating budgets. You can also sign up for a monthly newsletter.

Financial assistance

In cases of short-term financial difficulties or emergencies, ADF members can access loans, grants or welfare services through their Service's Relief Trust Fund. These are the:

Home ownership assistance

For more information, visit the website or call 1300 4 DHOAS (1300 434 627). The website also contains information on other Defence allowances available, such as the Home Purchase Assistance Scheme and Home Purchase and Sale Expense Allowance.

Salary packaging

Salary packaging allows Defence employees to restructure their income, allowing them to buy a range of items or services out of their pre-tax rather than after-tax salary, which can mean saving a good chunk of money.

Items that can be salary packaged include airline lounge membership, motor vehicles for private use by way of a novated lease or associate lease, childcare at Defence and Commonwealth child care facilities, laptop and notebook computers, uniforms and more.

For further information visit the Smartsalary website and use the employer code ADO.